Trusted throughout the community, the Kal Financial is a proven source providing clients with the highest quality financial services combined with the guaranteed lowest rates available in your area.

Purchasing a Home? Need to Refinance? Consolidating Debt? We Approve.

Whether you are purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team of loan officers can help you find the right loan program at the guaranteed lowest rate no matter what your needs are.


Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Through the use of sophisticated pricing technology, we are able to provide you with the ability to see the best rate for your mortgage needs anytime. Our outstanding mortgage professionals work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.


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Mary Pennel
Mary Pennel Main Office:
2542 S. Bascom Avenue
Ste. 130
Campbell, CA 95008
Main Number: (408) 316-4562
Our team will personally guide you through all the pricing options for the type of loan you seek. Once your loan begins with us, you will be able to check your loan status every step of the way.
Mary Pennel, MA
Mortgage Advisor
NMLS# 305513 / DBO# 1056665

Direct: (408) 316-4562
Fax (408) 854-8085

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Mary Pennel has been a dedicated mortgage professional in the SF Bay Area for a number of years. As a seasoned expert in her field, she has assisted many in achieving their dreams of homeownership. Mary loves educating her clients and has a brilliant track-record when it comes to providing sound financial advice and guidance.

Mary is committed to her clients during what is typically one of the most significant financial decisions they will make in their lifetime. With access to a vast range of products at Kal Financial, Mary has maintained her place as an authority in the local mortgage industry. Clients have raved about Mary and her ability to find them the best financing available in the context of their needs, while being educated on all their options, every step of the way.

Mary is a native of the Bay Area and holds a BA from the University of California and a MA from Santa Clara University.

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Front-End Production Associates Call to pre-qualify and set a pre-qualification appointment: (408) 316-4562
Our Front-End Production Associates are the first point of contact for our borrowers. They will help them through the qualifying part of the transaction – prescreen the loan application, gather all required information and documents and set an appointment with Mary.

Cynthia Calvin Kate Lugo    
Cynthia Calvin
Loan Partner 2
Cell: 408-406-6948
Direct: 408-316-4562
Fax: 408-228-0539
Kate Lugo
Loan Partner 1
Direct: 408-688-0180
Fax: 408-228-0539